Great topic. Two books, "A Richer Retirement" by William Bengen and "Risk and Reward" by Ben Carlson, have influenced where my wife and I invest our money. Bengen recommends investing equally in a wide range of asset classes. Carlson discusses that every asset class is cyclical. In other words, it may have performed near the top of all asset classes for 10 years, only to be replaced by another asset class that had underperformed over the previous 10 years. He also recommends a diversified portfolio because of this cyclical nature. So here are my asset classes and weightings. I invest in index funds only. Large Cap: 12%
Large Value: 12%
Foreign: 12%
Mid Cap: 11%
Small Cap: 12%
Micro Cap: 12%
Balanced: 11%
Bonds: 11%
Cash: 7%
Comments
Great topic. Two books, "A Richer Retirement" by William Bengen and "Risk and Reward" by Ben Carlson, have influenced where my wife and I invest our money. Bengen recommends investing equally in a wide range of asset classes. Carlson discusses that every asset class is cyclical. In other words, it may have performed near the top of all asset classes for 10 years, only to be replaced by another asset class that had underperformed over the previous 10 years. He also recommends a diversified portfolio because of this cyclical nature. So here are my asset classes and weightings. I invest in index funds only. Large Cap: 12% Large Value: 12% Foreign: 12% Mid Cap: 11% Small Cap: 12% Micro Cap: 12% Balanced: 11% Bonds: 11% Cash: 7%
Post: What’s in your portfolio ?
Link to comment from June 21, 2026